travel insurance for chase sapphire reserve

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Guide to chase sapphire® travel insurance.

Planning a vacation or honeymoon can be exciting. That excitement might include the worries that something unexpected could interrupt those plans. The following overview of Chase Sapphire travel protections may make your next trip less stressful if you are a cardmember.

How does Chase Sapphire travel protection work

Certain benefits that may give you peace of mind when using your card for travel are available to Sapphire Reserve and Sapphire Preferred ® cardmembers:

• Travel and Emergency Assistance Services: If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
• Trip Delay Reimbursement: If your common carrier travel is delayed more than 12 hours (six hours for Sapphire Reserve) or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket.
• Trip Cancellation / Interruption Insurance: If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $10,000 per person and $20,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.
• Baggage Delay Insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for 5 days.
• Lost Luggage Reimbursement: If you or an immediate family member check or carry-on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
• Auto Rental Collision Damage Waiver: Decline the rental company's collision insurance and charge the entire rental cost to your card. For Sapphire Reserve cardmembers, coverage is primary and provides reimbursement up to $75,000 for theft and collision damage for rental cars in the U.S. and abroad. Sapphire Preferred Cardmembers can be reimbursed up to the actual cash value of the vehicle, but coverage excludes certain cars, such as high value and exotic vehicles.
• Travel Accident Insurance: When you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000 ($1,000,000 for Sapphire Reserve).

Additional Benefits covered with Chase Sapphire Reserve travel insurance

Certain travel reimbursement, cancellation protection and emergency services are available to Chase Sapphire Reserve ® cardmembers on eligible travel booked with their credit card. Here’s some more information about the benefits offered with the card.

Emergency Evacuation and Transportation

If you or a member of your immediate family are injured or become sick during a trip far from home that results in an emergency evacuation, you can be covered for medical services and transportation up to $100,000.

Roadside Assistance

If you have a roadside emergency, you can call for a tow, jumpstart, tire change, locksmith or gas. You’re covered up to $50 per incident 4 times a year.

Emergency Medical and Dental Benefit

If you're 100 miles or more from home on a trip, you can be reimbursed up to $2,500 for medical expenses if you or your immediate family member become sick or injured.

If you have a Sapphire credit card, travel protection applies to plane tickets, rental cars and cruise line reservations booked using a Sapphire card or Ultimate Rewards ® points. You will be able to claim reimbursement for trip cancellations or interruptions, lost luggage, baggage that’s delayed or flight delays.

Whether it’s a long-awaited vacation or flying across the country to see family for the holidays, the Chase Sapphire family of cards offers benefits to give travelers more confidence in their plans.

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UponArriving

Chase Sapphire Reserve Travel Insurance Comprehensive Guide [2020]

The Chase Sapphire Reserve has the best package of travel insurance benefits out of any credit card. I’ve used them on a few occasions and they have been a lifesaver, usually saving me several hundred dollars, not to mention the peace of mind that you can’t put a price on. 

But what exactly are the benefits of this insurance? 

This comprehensive article will walk you through all of the Chase Sapphire Reserve travel insurance benefits, such as trip cancellation, trip delay, rental car insurance, and more. You’ll see what type of losses qualify for claims and what type of benefits don’t.

I will also offer some comparisons to what you might expect to find when purchasing a third-party travel insurance package, such as Allianz.

Table of Contents

What is Chase Sapphire Reserve travel insurance?

Chase Sapphire Reserve travel insurance offers several key benefits which include: 

• Primary rental car coverage

Baggage Delay Reimbursement

Emergency evacuation and transportation, emergency medical and dental benefit, lost luggage.

• Roadside Assistance
• Travel Accident Insurance

Travel and Emergency Assistance Services

Trip cancellation and trip interruption, trip delay reimbursement.

Each of these protections come with different requirements and restrictions and I’ll go into detail about each of these perks below.

Some of these benefits might not seem that valuable to you until you actually need to use them and at that point they become a godsend.

So when thinking about these perks, really try to imagine the convenience and relief they’d provide you with in order to get a sense of how much value to attach to them. And then multiply that number by 100 because that is how good you’ll feel about having those perks when you need them.

Tip: Use WalletFlo for all your credit card needs. It’s free and will help you optimize your rewards and savings!

Do I have to pay extra for Chase Sapphire Reserve travel insurance?

No, travel insurance is built in to the Chase Sapphire Reserve.

This is a big difference from the competitor, the Platinum Card from American Express. The Platinum Card, and other Amex cards, don’t provide you with the full array of benefits by default. In fact, you’ll have to pay extra for those benefits.

So don’t take these benefits for granted.

Would buying travel insurance be better?

Before I jump into all of the details of the Chase Sapphire Reserve travel insurance, I think it is worth addressing whether or not you should consider buying travel insurance through a third-party or just use the benefits included with this card.

Obviously, since these benefits are free and included with your card the only reason you would go out of your way to purchase other travel insurance protections is if they had much better protections.

I researched other travel insurance policies and I think the decision just comes down to the individual and their needs.

Since the cost of travel insurance depends on factors like the amount of your trip, the destination, and the length of your travels, it is hard to give universal advice for all people (there are also annual plans to consider).

So my advice would be to look at a travel insurance package and compare that package to the details below. In my experience I have found some of the key differences to be the following.

Emergency medical coverage

This is probably the biggest difference that I have seen. When it comes to needing medical treatment at your travel destination, typically the travel insurance packages from third parties offer much more comprehensive coverage and much higher limits (like up to 10X to 20X the limit of the Reserve). If emergency medical care is a top concern of yours, I would not rely on the Chase Sapphire Reserve to cover you here. 

Pre-existing conditions

Travel insurance packages with credit cards like the Chase Sapphire Reserve tend to exclude pre-existing conditions from coverage but many third-party travel insurance packages will still provide coverage. Your limits might be a little bit lower but some coverage is better than no coverage.

Pre-paid expenses

When it comes to protections like trip delay, you can get coverage for prepaid expenses with insurance providers like Allianz whereas the Reserve won’t cover you there. 

The Reserve is superior to basic packages

The Chase Sapphire Reserve offers some pretty solid travel insurance protections, and I tend to find the overall protections offered much better than a standard basic package you will get with a third-party. If you want enhanced benefits from the Reserve chances are you will need to buy a third-party mid-tier or top-tier package. And even then, the Reserve might offer better value for some benefits.

Those mid-tier or top-tier packages could end up costing you several hundred dollars so you would just have to decide whether or not it is worth it to take advantage of certain higher limits with respect to specific benefits and protections.

If you are curious about prices check out the quotes below which are for a one-week trip to Italy that is expected to cost $10,000.

Primary rental car insurance

Primary rental car coverage is one of the most valuable perks of the Sapphire Reserve. With primary rental car coverage, you can avoid paying extra for coverage from the rental car company and usually won’t have to file a claim with your rental car insurance provider if you get into some type of an accident.

This will save you a lot of headache and not to mention a lot of money on your monthly premiums in the future. Most credit cards offer secondary rental car coverage which only covers what your auto insurance provider or equivalent doesn’t cover.

The rental car coverage will cover you up to up to $75,000 and will last for a period not intended to exceed 31 consecutive days. For built-in coverage, these limits are great but if you needed higher coverage limits up to $100,000 or for a longer amount of time, it could be worth it to pay for coverage offered by other cards like the Platinum Card. 

Here are some of the rules for rental car coverage for the Sapphire Reserve.

Who is covered?

The cardholder is covered as the primary renter of the vehicle and any additional drivers permitted to operate it under the terms of the rental agreement (“Authorized Person”) are also covered.

What’s Covered?

• Physical damage and/or theft of covered rental vehicle
• Reasonable and customary towing charges related to a covered loss to take the vehicle to the nearest qualified repair facility
• Valid loss-of-use charges incurred by the rental car agency

What’s Not Covered?

This is not an exhaustive list. Examples include:

• Antique automobiles; vans designed to carry more than 8 people; vehicles that have an open cargo bed; trucks; motorcycles, mopeds, and motorbikes; limousines; and recreational vehicles
• Expenses reimbursed under your personal auto insurance policy, your employer or your employer’s insurance
• Any obligation you assume under any other agreement
• Injury of anyone or anything inside or outside of the vehicle
• Leases and mini leases
• Any violation of the auto rental agreement
• Loss or theft of personal belongings

One of the biggest exclusions to note is that coverage does not apply to injuries to anyone or anything outside of the vehicle. Coverage is not liability coverage (sometimes referred to as supplemental liability insurance) and is strictly limited to damage to the rental vehicle.

You also are not covered for any injuries that could happen to you (that would be personal accident insurance).

These exclusions mean that you should still take sufficient preparation to make sure that you have adequate coverage in the event of an accident. You can get broader coverage through your car/health insurance provider, a third-party, or perhaps through the rental car agency. 

Anytime I ever rent a car, I use the Sapphire Reserve to book it. You can read more about the  Sapphire Reserve rental car coverage here .

I’ve personally had to use this benefit before and it was a terrific convenience to be able to hit up a mall in Auckland, New Zealand and buy some new clothes while on a trip — it really helped take the stress out of waiting so long for my bags to be delivered.

With this protection, If you are delayed more than 6 hours, you are covered for essential expenses, such as toiletries and clothes for up to $100.00 per day for a maximum of five days. The minimum threshold of six hours is very competitive and it is nice that you can get coverage for up to five days since many cards will limit you to coverage of only three days. 

The primary insured person and immediate family members are covered.

You’ll get reimbursement for the emergency purchase of essential items like toiletries and clothing, and in my personal experience they are pretty liberal when it comes to defining toiletries and clothing. For example, I once purchased a blazer and I got that reimbursed so you don’t have to stick to clothing such as underwear and socks. 

Chase does specifically exclude certain items and some of those include:

• contact lenses, eyeglasses or hearing aids
• artificial teeth, dental bridges or prosthetic devices
• tickets, documents, money, securities, checks, travelers checks and valuable papers
• business samples
• jewelry and watches
• cameras, video recorders, cellular telephones and other electronic equipment and their accessories other than charging cables for cellular telephones

So when it comes to electronics, pretty much the only thing you can get is a charging cable.

If you get injured or become ill during your trip you can get emergency evacuation and transportation from your destination. In order for coverage to apply, the duration of the trip cannot be less than five days and cannot exceed 60 days. It also must be in excess of 100 miles from the cardholders residence. The coverage limit for this benefit is $100,000. 

There are basically two conditions that must be met in order to get coverage:

• Your medical condition warrants immediate transportation to the nearest hospital where you can get appropriate medical treatment.
• Or after being treated at a local hospital your medical condition warrants transportation to the primary cardholder’s residence to obtain further medical treatment or to recover.

The cardholder and immediate family members are covered when a portion of the entire cost of the trip is purchased with the Sapphire Reserve.

What’s covered?

You can get expenses covered like transportation, medical services, and medical supplies. Depending on where you are, those transportation costs can be extremely expensive so this benefit has the potential to be very valuable. 

If you are hospitalized for more than eight days you might be able to get coverage for a friend or relative to come to your bedside. Chase will cover the cost of an economy class round-trip ticket. 

What’s not covered?

Some things that are not covered include travel for the purpose of obtaining medical treatment, non-emergency services, care rendered outside of hospitals and not by physicians, experimental care, and some other conditions. Read more here.

The Reserve will cover you for up to $2,500 in emergency medical or dental work per trip, with a $50 deductible.

This $2,500 limit is a big difference from traditional travel insurance where you can get coverage for medical expenses from $10,000 up to $50,000. 

So if you really want to sleep peacefully at night then you might want to look into other ways to ensure that you have adequate emergency medical care coverage when traveling. 

I’ve been involved with a medical emergency while traveling (in Singapore) and let me tell you having the assurance that you’re not going to have to come out of your wallet with several thousand bucks is a huge relief and can really relieve you of some stress when unexpected things happen abroad.

You’ll need to make sure that you’re receiving the services of a legally qualified position, surgeon, dentist, or qualifying medical professional. You can also get coverage for hospital visits and charges for certain types of procedures like x-ray examinations and laboratory tests. If you require ambulance services or the administration of medication those can also be covered. 

You can even get a $75 allowance if the doctor states that you need to hang around in a hotel after you leave the hospital.

Things that are not covered are medical tourism, non-emergency services, care that is not prescribed by the direction of a qualified position or dentist, etc.

The Sapphire Reserve has some solid travel insurance perks for lost luggage.

You’ll be covered for checked or carry-on bags  that are damaged or lost by the carrier  up to $3,000.00 and up to $500.00 for jewelry, watches, cameras, video recorders, and other electronic equipment.

You’ll be able to get reimbursement for costs you incur to repair or replace checked and/or carry-on baggage damaged or lost (including theft) that happens during a covered trip on a common carrier such as airline, bus, cruise ship or train.

The Platinum Card limits you to up to $2,000 for checked bags so the Reserve offers higher overall coverage limits.

This benefit covers physical loss or damage of your checked baggage and or carry-on baggage and of course the personal property within the baggage. 

Exclusions to look out for are loss of documents, paper, tickets, etc. There are also exclusions when the loss results from you or a family member committing any type of illegal or intentional act. So if your drunk uncle throws your luggage out of the overhead bin and breaks belongings within it, that is probably not going to be covered. 

Roadside assistance

The Sapphire Reserves offers roadside assistance for free for up to $50 and up to 4 times per year. The roadside assistance includes services that help with things like flat tires, dead batteries, or mechanical breakdowns. 

The service is available 24 hours a day, 365 days a year by calling this number:   1-866-860-7978.

Cardholder driving your owned or leased vehicle or a vehicle furnished by the owner, while traveling away from home.

What’s covered?

This benefit provides coverage for on the road breakdowns such as battery boost, flat tire service, fuel delivery, towing, and lockout assistance.

Not all of these benefits are completely free, however. For example, i f you run out of gas the cost of fuel will be covered for up to 2 gallons. If you need towing assistance, you will only be covered for up to $50. Also if you need locksmith services you will only be covered for up to $50. 

Also, here is what Chase states about qualifying vehicles:

All self-propelled, four-wheel vehicles designed, licensed, and used for private on-road transportation, with trucks limited to a carrying capacity of up to 2,000 pounds, are covered

I keep the number saved in my phone just so I have it for quick and easy reference in case I ever need to give it a call.

• You can  read more about the Sapphire Reserve road side assistance here .

Travel accident insurance

Travel accident insurance consists of two benefit types, Common Carrier Travel Accident Insurance and 24-Hour Travel Accident Insurance, which provide coverage for accidental death or dismemberment, or a combined loss of speech, sight or hearing, experienced on a covered trip.

Hopefully you’ll never have to use it but here’s who is covered:

• Common Carrier Travel Accident Insurance provides benefit for a covered loss when entering, exiting, or riding as a passenger on a common carrier, such as airline, bus, train or cruise ship.
• 24 Hour Travel Accident Insurance  provides benefit for a covered loss beginning on the departure date printed on a scheduled airline ticket and ends on the return date printed on the ticket  (if your trip is longer than 30 days in length, see additional terms in your Guide to Benefits).

Here are the coverage amounts:

• Benefit amount for loss of life is $1,000,000
• Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits maximum payout is $1,000,000.
• Benefit amount for loss of life is $100,000
• Benefit amount for dismemberment and/or a combined loss of speech, sight and hearing are expressed as a percentage of the loss of life benefit and are available in your Guide to Benefits; maximum payout is $100,000.

Travel and emergency assistance services provide assistance to you by finding you a good referral for your emergency. This benefit can help you in a variety of ways but it is important to remember that you will have to pay for any costs associated with the services.

For example, the administrator can help you find a local English-speaking doctor or other physician or even find you a doctor that can give you an over the phone consultation but you would be responsible for the costs assuming that another benefit does not cover that cost.

You can also get a referral for an attorney if you run into legal trouble, such as getting into a car accident or some other type of dispute.

One cool feature of this benefit is that they can assist you with lost luggage. Sometimes trying to coordinate the recovery efforts for your lost luggage can be a huge headache especially if there are multiple airlines involved and they are not necessarily admitting fault. In that type of situation, you could call this number and get them to help sort out the mess.

Some of the other benefits like getting information on currency exchange rates and weather reports are easily accessible with smart phones now so they are not as much needed.

To use the services, call the 24-hour Benefit Administrator line at 1-800-992-6029. If you are outside the United States, call 1-804-673-1675.

This is one of the most important travel insurance benefits that you need. If your trip is canceled or cut short by covered situations, you can be  reimbursed up to $10,000  per trip for your pre-paid, non-refundable travel expenses.

This is a solid perk with a high coverage limit but you really need to consider how much money you’ve spent on pre-paid expenses.

If you’re taking a 6 person family vacation for 7 days in Hawaii for example there’s a good chance you might need coverage for more than $10,000 and that’s when other plans could be helpful.

Here are the differences between trip cancellation and trip interruption. 

• Trip  Cancellation provides reimbursement if a covered loss prevents you from traveling on or before the departure date and results in cancellation of the travel arrangements.
• Trip  Interruption  provides reimbursement if a covered loss on the way to the point of departure or after departure causes interruption of your covered trip. It can also provide reimbursement if a trip is postponed due to a covered loss and certain fees are incurred if a new departure date is set.

The limits for this protection are up to $10,000 per covered trip and a maximum limit of $20,000 per occurrence and a maximum benefit amount per 12-month period of $40,000.

The cardholder and immediate family members are covered.

• Accidental bodily injury, loss of life, or sickness experienced by the cardholder, a traveling companion or an immediate family member of the cardholder or a traveling companion
• Severe weather that prevents the start or continuation a covered trip
• Terrorist action or hijacking
• Jury duty or a court subpoena that cannot be postponed or waived
• Financial insolvency of the cardholder’s travel agency, tour operator, or travel supplier.

Getting coverage for sickness is super important because that is such a common reason for why you may not able to take a trip . If you try to cancel a nonrefundable airline ticket or tour due to feeling sick, there is a good chance you may not be able to get reimbursed. So this benefit is so very important in those cases.

• Travel arrangements canceled or changed by a common carrier, tour operator, or any travel agency unless the cancellation is the result of severe weather or an organized strike affecting public transportation
• Change in plans or financial circumstances
• A pre-existing condition
• Traveling against the advice of a physician
• A declared or undeclared war
• Trips that exceed 60 days in duration are not covered

One of the main exclusions is when the travel arrangement is canceled or changed by a common carrier. It is possible that if you booked two separate itineraries that one itinerary could be changed and that could force you to miss a flight. If that happened you would not be covered so you need to always take precaution when scheduling your flights. 

Another exclusion to be noted is that your cancellation will not be covered if it is due to a pre-existing medical condition or if you simply have had a financial issue forcing you to cancel a trip. Some travel insurances will still allow you to get travel cancellation protection when you are dealing with a pre-existing condition so that is something to think about.

This perk will have you covered if you are delayed more than  6 hours for expenses, such as meals and lodging, up to $500 per ticket. This is an upgrade from the Sapphire Preferred which required 12 hours ( read more on the Preferred here ). 

Many times you will not be guaranteed any type of compensation or anything when your flight has been delayed by six hours. And if you are offered some type of compensation it might be limited to something like an airline credit or to a specific hotel for a night.

So this benefit allows you to make your own decisions on how to handle a delay and gives you a pretty generous allowance when choosing to do so. Since the delay only has to last for six hours, this benefit is also much easier to use than what many other credit cards offer. 

Although I wouldn’t necessarily recommend it, I’ve heard of others using this benefit to stay at a 5-star hotel for one night when their trip is delayed and then getting comped for the $500 stay. I would probably not push it to that extreme but I would still book a nice hotel for my stay if I wanted. 

While I think $500 is a decent amount of money to handle a trip delay, there are some travel insurance packages that will offer you $1,500 or more for a six hour delay.

The cardholder and their spouse, and dependent children under 22 years of age are automatically covered when a portion or the entire cost of the Common Carrier fare is purchased with your Chase Sapphire Reserve.

What is covered?

You will be covered for reasonable expenses that include things like meals, lodging, toiletries, medication and other personal use items. 

What is not covered?

You will not get coverage for any delay that was made public or known to you prior to the departure of the covered trip. You also will not get coverage for prepaid expenses. That is a departure from some travel insurance policies that will cover you for a prepaid expense.

The Reserve’s travel insurance is among the best for any credit card. But if you’ve spent a substantial amount on pre-paid trip expenses, you might want to consider getting another policy. Also, if you need to rent a car for longer than 31 days, you might want to seek rental car coverage elsewhere.

Daniel Gillaspia is the Founder of UponArriving.com and the credit card app, WalletFlo . He is a former attorney turned travel expert covering destinations along with TSA, airline, and hotel policies. Since 2014, his content has been featured in publications such as National Geographic, Smithsonian Magazine, and CNBC. Read my bio .

Hey Daniel – my wife has a CSR. To take advantage of primary auto coverage can the rental be in my name? Or for flight insurance can flights be in my name? I was an AU on her CSP card for years but when she upgraded to CSR I had her drop me as an AU because of the fees. Now I’m questioning that decision. I’m the travel booker in the family.

Great article!

Flights can be in your name and you’ll be covered. The language is a little less clear for car rentals. The terms state “You [the cardholder] are then covered as the primary renter of the vehicle and any additional drivers permitted to operate it under the terms of the rental agreement (“Authorized Person”) are also covered.” So it almost seems like they want the cardholder to be the primary renter of the vehicle but that you are also covered if you are permitted to operate it under the terms of the rental agreement. I’d need to contact them to get a for sure answer but my guess is that you would be covered.

Hi Bonnie, All you have to do is put a portion of your trip on the Chase Sapphire Reserve and your entire trip (cruise you are paying for) will covered. So you’ll be covered.

I have done my research and this looks like a great card with the benefits I would use since we do travel several times a year. Is the list of reasons for the trip insurance comparably to say Allianz? I thought there was an amount for medical evacuation say if you were overseas and have to be brought back home, or did I miss that? For me, just the savings on individual trip policies on cruises would offset the annual fee. Great column by the way.

Hey Gary, I just updated the article to address some of your questions. It is now much more comprehensive and should cover some of your concerns.

I believe the Ritz card also has the same level of insurance as the Reserve unless that has changed.

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Chase Sapphire Preferred Travel Insurance (2024 Guide)

This page includes information about the Chase Sapphire Preferred credit card and its benefits. The information featured in this guide was collected by the MarketWatch Guides team and has not been provided or reviewed by the card issuer.

Alex is a MarketWatch Guides team writer that covers automotive and personal finance topics. She’s worked as a content writer for over a dozen car dealerships across the U.S. and as a contributor to several major auto news websites.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

If you have a Chase Sapphire Preferred credit card, you can access a wide variety of travel insurance benefits when you book a trip using the card. Chase travel insurance can reimburse certain expenses in less-than-ideal travel scenarios involving trip cancellations, trip interruptions, lost baggage and more.

Learn more about the coverage offered by the Chase Sapphire Preferred credit card so you can decide whether its benefits can cover your travel needs — or if you need a separate travel insurance policy for your vacation.

Our Thoughts on Chase Sapphire Preferred Travel Insurance

Chase offers travel insurance through the Sapphire Preferred credit card if you use the card to purchase trip expenses such as cruise bookings, airline tickets, hotel accommodations and more. The company’s travel insurance offering includes coverage for trip cancellations, interruptions and delays, accidents and more.

But while Chase has competitive luggage loss limits when compared with the top travel insurance providers, the Sapphire Preferred Preferred card doesn’t offer emergency medical and evacuation coverage like some other travel cards. And although Chase provides free travel insurance benefits with the Sapphire Preferred card, there is a $95 annual fee.

If you’re a Chase Sapphire Preferred credit card holder, we encourage you to compare its coverage with plans offered by competitors. This can help ensure you have travel protection that fits your vacation and your unique needs as a traveler.

How To Qualify to Use Chase Sapphire Preferred Travel Insurance

Qualifying for Chase Sapphire Travel Insurance is a relatively simple process based on our experience. If you do not have a credit card already, you will need to visit Chase’s website to fill out an application. You’ll need to provide personal information such as your name, date of birth, mother’s maiden name, home address, contact information, Social Security number, individual tax ID number, employment status and annual income. Chase states that if you have a high credit score, you can likely apply for any card of your choice — so prepare for the company to consider your credit score when applying for this card.

Available travel insurance when you book using your Chase Sapphire Preferred card includes protection for rental car damage, cruise line reservations and airfare, to name a few. Benefits also apply to the cardholder and their immediate family during their travels. Note that if you have a Chase Sapphire Reserve card, you can also qualify for travel protection benefits. However, the benefits differ between the two cards, which we will address further in this article.

How Does Chase Sapphire Preferred Travel Insurance Work?

Chase Sapphire Preferred travel insurance coverage offers several protections at no extra cost to cardholders who book trips using their credit card. Benefits include trip cancellation and interruption insurance, baggage delay insurance and trip delay reimbursement. Chase Sapphire Preferred cardholders also receive travel and emergency assistance services if they need legal and medical referrals.

Chase notes that unaffiliated insurance companies underwrite the travel benefits, and these companies are solely responsible for the administration and claims of cardholders. Those so-called benefit administrators may enforce specific time limits and documentation requirements that apply to the claims process. Chase should provide cardholders with this information when they first open their account.

Coverage Benefits of Chase Sapphire Preferred Travel Insurance

Chase provides extensive travel insurance benefits through its Sapphire Preferred credit card, including protections you’d find with a traditional travel insurance policy . See the table below for a detailed breakdown of the Chase Sapphire Preferred travel insurance benefits and associated coverage limits.

* Information about benefits provided by the Chase Sapphire Preferred credit card was collected by the MarketWatch Guides team and has not been provided or reviewed by the card issuer.

Trip Cancellation

If you must cancel your trip for a reason covered under your policy, trip cancellation insurance can reimburse prepaid, non-refundable travel expenses. This often covers expenses such as lost airline tickets, cruise bookings, prepaid tours and hotel reservations.

Chase Sapphire Preferred travel insurance covers trip cancellations due to traveler sickness, severe weather and other situations, with reimbursement up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Interruption

If you must cut your vacation short and return home, trip interruption insurance can provide a refund for unused, prepaid and non-refundable travel expenses.Much like trip cancellation insurance, coverage also applies to situations such as the injury, illness, or death of a family member or traveler.

Chase covers Chase Sapphire Preferred travelers up to $10,000 per person and $20,000 per trip for prepaid, non-refundable expenses.

Trip Delay Insurance

Trip delay coverage applies to travel delays caused by planes, buses, trains and other types of transport to your destination. Benefits for a covered trip will vary depending on the travel insurance plan but can extend to hotel rooms, meals and other necessities incurred if you must wait to resume your trip. Delay coverage does not extend to missing a flight due to poor planning or time management on behalf of the traveler. 

Chase will reimburse up to $500 per common carrier travel ticket purchased using your Chase Sapphire Preferred card if you experience a delay of more than 12 hours or require an overnight stay.  

Baggage Delay or Loss

Baggage coverage can pay for your travel bags if they become lost, stolen, delayed or damaged during your trip. Coverage is usually capped at a certain amount per bag, with some travel insurance plans offering higher limits than others. If you intend on bringing expensive or valuable items in your baggage, you might consider a policy with a high maximum coverage amount for lost luggage reimbursement or delays.

Chase provides Sapphire Preferred cardholders $100 per day for up to five days if they experience baggage delays with a common carrier such as an airline. If your carry-on or checked bags get lost, stolen or damaged, you could receive a reimbursement of up to $3,000 per person to cover your personal effects.

Auto Rental Collision Damage Waiver

Car rental collision damage coverage is not a standard offering from travel insurance companies. This waiver provides Chase Sapphire Preferred cardholders with reimbursement up to the actual cash value of a rental car, minus certain high-value and exotic car models. 

To qualify for this waiver, you will need to decline the rental car insurance provided by the rental company and charge the entire cost of your rental to your Sapphire Preferred card. This waiver covers both theft and collision damage.

Travel Accident Insurance

Travel accident insurance through Chase provides accidental death and dismemberment (AD&D) coverage when you pay for your air, bus, train or cruise transportation using your card. Coverage includes up to $500,000 in accident protection.

Emergency Travel Medical Coverage

Travel medical coverage helps cover medical bills if you fall ill or get injured during your vacation. It does not cover routine medical services — only sudden illnesses or injuries considered emergencies or that require treatment by a healthcare provider. Some emergency medical benefits also include emergency dental coverage.

While many travel insurance providers offer this type of coverage, Chase Sapphire Preferred cardholders do not have access to these protections with the card’s benefits. You can, however, find this coverage with the Sapphire Reserve card.

If you’re looking for comprehensive travel medical insurance, we recommend International Medical Group (IMG), as the company offers coverage up to $8,000,000. IMG plans average $217 per trip.

Emergency Evacuation and Transportation

Emergency evacuation and transportation insurance can provide peace of mind if you need transportation to a hospital or medical facility while traveling. For example, if you fall ill or become injured in a remote location and require transportation or evacuation to a medical facility equipped to care for your needs. Chase doesn’t provide this coverage for Sapphire Preferred cardholders and their immediate family members.

Chase Sapphire Preferred vs. Chase Sapphire Reserve Travel Insurance

The Chase Sapphire Preferred card is not the only credit card Chase offers with travel insurance benefits. Chase’s Sapphire Reserve card also provides benefits for cardholders who book their trips with their credit card. See the table below for a comprehensive breakdown of what each Chase credit card offers in travel insurance benefits.

* Information about benefits provided by the Chase Sapphire Preferred and the Chase Sapphire Reserve credit cards were collected by the MarketWatch Guides team and have not been provided or reviewed by the card issuer.

How To File a Travel Insurance Claim with Chase

Filing a travel insurance claim with Chase will vary based on your credit card and the type of coverage you’re filing a claim for. But the typical process follows these steps:

Generally, the first step is to contact the appropriate number listed in your credit card’s benefits guide. You can also file a claim online through eclaimsline.com if you prefer a fully digital experience.

Chase will likely ask you to prepare documentation that proves your losses to support your claim. These documents may include receipts for prepaid expenses, proof of lost, damaged or stolen items, or proof of travel delays from your airline or other transportation carriers.

Once you’ve submitted your claim, you then wait for approval and reimbursement, which may vary in time. Note that Chase enforces specific time limits in addition to documentation requirements for claims filing, so submitting your claim as soon as possible is recommended.

Should You Get a Chase Sapphire Preferred Card For Travel Insurance?

Signing up for a Chase Sapphire Preferred card strictly for its travel insurance benefits is a personal decision. However, getting a credit card for travel insurance is not your only option — you may also opt for a policy with a standard carrier such as Travelex . Chase’s coverage limits are not as high as limits from some other providers offering comprehensive travel insurance policies. Taking on an additional expense in the form of the Sapphire Preferred card’s $95 annual fee may also not be worth it if you don’t plan on using the card for anything other than infrequent travel.

If you’re looking for coverage for emergency medical expenses, evacuations and more, you may consider a plan from some of the other dedicated travel insurance companies. Chase does not specialize in travel insurance and lacks unique protections such as cancel for any reason (CFAR) and extreme sports coverage that other travel insurance companies may provide. 

If you already have the Chase Sapphire Preferred card and feel satisfied with its travel insurance coverage limits, you can take advantage of these benefits by booking your trip using the card. Regardless, we recommend considering your travel needs and budget before choosing travel insurance coverage.

Chase Sapphire Travel Insurance: Frequently Asked Questions

Does chase travel insurance cover family members.

Yes, Chase travel insurance through its Sapphire Preferred and Sapphire Reserve cards covers the cardholder and immediate family members traveling with them.

What reasons for trip cancellation does Chase cover?

Covered cancellations related to trip cancellation insurance vary by travel insurance provider. Chase states that covered cancellations for trips purchased with Sapphire Preferred and Sapphire Reserve cards include sickness, severe weather and other situations. Check your card benefits guide for more information on specific scenarios.

Do I need travel insurance if I have a credit card?

If you have a credit card with a company such as Chase, Citi or Capital One, your card may come with travel insurance benefits if you use the card to purchase your trip components. If you’re unsure whether your credit card comes with these perks, check with your card issuer.

What other benefits come with the Chase Sapphire card?

The Chase Sapphire card comes with more than just travel rewards. It also includes benefits such as the ChaseUltimate Rewards program, which adds points for qualifying purchases that cardholders can redeem toward future travel expenses. In addition, new card members can receive 60,000 bonus points after spending $4,000 in the first three months of card ownership.

Methodology: Our System for Rating Travel Insurance Companies

Our team researched and reviewed dozens of travel insurance providers and created a scoring system to judge each company based on coverage, quality and service. We also collected sample quotes from each company, both over the phone and on the Internet, to better understand the customer experience. Here are the factors we take into consideration when rating providers:

• A 30-year-old couple taking a $5,000 vacation to Mexico
• A family of four taking an $8,000 vacation to Mexico
• A 65-year-old couple taking a $7,000 vacation to the United Kingdom
• A 30-year-old couple taking a $7,000 trip to the United Kingdom
• A 19-year-old taking a $2,000 trip to France
• A 27-year-old couple taking a $1,200 trip to Greece
• A 51-year-old couple taking a $2,000 trip to Spain
• Plan availability (10%): We look for insurers offering a variety of travel insurance plans and the ability to customize a policy with coverage upgrades. Providers that offer six or more plans will earn top marks in this category.
• Coverage details (29%): We review the standard coverage each company offers in its cheapest comprehensive plan. A provider with robust coverage will earn full points, with a focus on baggage delay and loss, COVID-19 coverage, emergency evacuation and medical coverage, trip delay and cancellation coverage, and more. Companies also receive points for offering a variety of policy add-ons such as accidental death and dismemberment, extreme sports, valuable items, cancel for any reason coverage and more.
• Coverage times and amounts (34%): We compare each company’s waiting periods and maximum reimbursement amounts for baggage, travel and weather delays. Companies that will reimburse customers after fewer than 12 hours of delays earn full points in this category. We also reward travel insurance providers that cover more than 100% of trip costs in the event of cancellations or interruptions.
• Company service and reviews (17%): We look for indicators that a company is well-prepared to respond to customer needs. Companies with an established global resource network, 24/7 emergency hotline, mobile app, multiple ways to file a claim and concierge services score higher in this category. We assess reputation by evaluating consumer reviews, third-party financial strength and customer experience ratings, specifically from AM Best and the Better Business Bureau (BBB).

AM Best Disclaimer

More Chase Bank Resources

• Chase Bank Review
• Chase Auto Loan Review
• Chase Bank CD Rates
• Chase Savings Account Rates
• Chase Banking Promotions and Bonuses

Chase Sapphire Travel Insurance Offered On Cards

T he Chase Sapphire Reserve® and the Chase Sapphire Preferred® Card are two of Chase's most coveted credit card products. With benefits ranging from travel and dining to lounge access and purchase protection, each card has its own set of perks. And one of these perks that's especially beneficial is the travel insurance offered on Chase Sapphire cards. Although you probably won't need to use it often, this particular perk can be a lifesaver if travel doesn't go quite as planned.

Don't wait for something unfortunate to happen on your trip to understand how the insurance works. Find out what's covered, how to claim it and other essential information that can help you best utilize this credit card benefit when things go wrong with this guide to Chase Sapphire travel insurance.

How Does Chase Sapphire Travel Insurance Work?

Chase's Sapphire travel insurance can cover your trip in case of cancellation or interruption, reimburse expenses due to trip delays or lost/delayed baggage and provide supplemental medical insurance or evacuation coverage in case of accident or emergency.

To use Chase Sapphire travel insurance, you must be a Chase Sapphire cardholder and have used that card to pay for some or all of your travel costs for whatever particular trip you'd like to claim the insurance on. Chase defines the cardholder as someone whose 'name is embossed on an eligible Card issued in the United States.' In many cases, spouses, children and immediate family members* may also be covered, even when the cardholder isn't traveling with them, but this varies by card and insurance benefit.

Finally, it's important to know that travel insurance benefits vary by Sapphire card. The travel insurance benefits the Chase Sapphire Reserve card offers can differ from the travel insurance benefits the Chase Sapphire Preferred card provides.

What Is Covered With Chase Sapphire Travel Insurance?

Here are the various travel insurance benefits available for Chase Sapphire cardholders:

Trip Cancellation/Interruption Insurance

This benefit offers reimbursement of up to $10,000 per covered person and $20,000 per trip for cancellation or interruption of travel for the cardholder and immediate family members, assuming a part of the trip has been charged to the cardholder's Chase Sapphire Preferred® Card or Chase Sapphire Reserve®. Maximum coverage in a 12-month period is limited to $40,000.

Eligible travel expenses are considered non-refundable, prepaid travel expenses, things like flights, cruises, hotels, car rentals and more. If you paid using Rewards points, you'll be reimbursed at their monetary value or at $.01 per point.

Chase Sapphire Travel Insurance covers situations like:

• Injury, illness or hospitalization that prevents you from traveling
• Severe weather events
• Jury duty or military order
• Quarantine imposed by a physician
• The lodging at your destination becoming uninhabitable

Chase Sapphire Travel Insurance doesn't cover situations like:

• A change in your financial circumstances
• Failure to obtain required visas or passports
• Not wanting to travel due to civil unrest

Trip Delay Reimbursement

This insurance benefit offers reimbursement for reasonable expenses incurred during a trip delay for up to $500 for each ticket purchase when you're delayed for more than six hours or require an overnight stay for Chase Sapphire Reserve cardholders and more than 12 hours or require an overnight stay for Chase Sapphire Preferred cardholders.

The benefit extends to both the cardholder and accompanying family members (spouses and children under 26). The insurance covers reasonable expenses such as meals, lodging, toiletries and medication.

Travel Accident Insurance

If you have a transportation incident during travel, travel accident insurance covers you, assuming you paid for the transport using a Chase Sapphire card. Travel accident insurance extends to the cardholder and immediate family members.

For Chase Sapphire Preferred cardholders, the covered loss of life benefit amount in the case of a common carrier travel accident (like a flight, cruise, or train incident) is $500,000 per insured person. The 24-hour travel accident insurance, meanwhile, is $100,000. Specific losses covered include things like loss of sight, hearing or limbs.

For Chase Sapphire Reserve cardholders, a maximum amount of up to $1 million is covered for common carrier travel accidents, while 24-hour travel accident insurance remains at $100,000.

Travel and Emergency Assistance Services

If you run into an emergency when traveling, you have access to complimentary assistance along with your spouse and any dependent children under 22 who are traveling with you. This includes things like emergency transportation assistance, medical referrals and legal referrals. However, the costs of these services aren't covered, just the help in sourcing them.

Lost Luggage Reimbursement

If your or your immediate family members' luggage is lost, your checked and carry-on baggage are each covered for up to $3,000 per person per trip. Jewelry and watches are capped at $500 per covered person as are cameras and other electronics.

These items aren't covered in the policy:

• Items you may have left behind
• Documents/papers
• Travelers' Checks

Baggage Delay Insurance

If your or your immediate family members' baggage is delayed for more than six hours, this benefit offers reimbursement for emergency purchases of essentials like toiletries, chargers and clothing. You can get up to $100 daily (up to a maximum of five days).

There's a long list of items that aren't covered; here are some to note:

• Jewelry and watches
• Cameras and electronics
• Hearing aids

Auto Rental Collision Damage Waiver

You can also benefit from the Auto Rental Collision Damage Waiver. The Sapphire version of coverage is Primary , meaning you don't have to file with your insurance company first. This offers reimbursement for damages caused by theft or collision up to $75,000 for rental periods up to 31 days when the Chase Sapphire Reserve card is used to pay for the entire car rental transaction.

Cardholders of the Chase Sapphire Preferred also have this benefit, but the reimbursement amount for damages caused by theft or collision is capped at the Actual Cash Value of most rented cars.

Additional Benefits Covered With Chase Sapphire Reserve Travel Insurance

These are two additional travel insurance benefits available only for Chase Sapphire Reserve cardholders. Here's what they cover.

Emergency Evacuation and Transportation

This benefit covers emergency evacuation and transportation up to $100,000 for you, your spouse and eligible children under the age of 19 (or 26 if they're enrolled as a full"time student at an accredited university). Note that this must be pre-approved by Chase in conjunction with a doctor who certifies that the evacuation is necessary due to severe injury or illness. This benefit also covers repatriation of remains up to $1,000.

Emergency Medical and Dental Benefits

Chase Sapphire Reserve travel insurance also offers emergency medical and dental benefits. Oddly, this benefit only applies to trips that were arranged by a travel agency.

The amount covered is up to $2,500 with a $50 deductible on covered trips. In addition to the cardholder, this benefit covers spouses/domestic partners and/or legally dependent children under 19 (or 26 if legally enrolled as a full-time student at an accredited university).

Do note that this benefit doesn't cover medical situations caused by adventure activities that travelers may do, like scuba diving, parachuting, rock climbing and beyond.

How Do I Claim My Chase Sapphire Travel Insurance?

To file a claim with Chase Sapphire Travel Insurance, you must call the Benefit Administrator. Each type of insurance has different requirements for what documentation you need to provide when submitting a claim.

Each type of claim also has a different time period allowed for submitting a claim. These are the following timelines to know:

• For Trip Cancellation/Trip Interruption claims : Submit within 20 days of cancellation/interruption. Then, return the completed and signed forms/requested documentation within 90 days (or a maximum of one year after the 90-day deadline).
• For Trip Delay Reimbursement claims : Submit within 60 days of delay. Then, return completed and signed forms/requested documentation within 100 days.
• For Lost Luggage claims : Start by filling out the proper documentation for the airline that lost your luggage (save a copy). Contact the Benefits Administrator within 20 days of when your baggage was lost, damaged or stolen. You should receive a claim form within 15 days, which you should submit, alongside documentation, within 90 days.
• For Baggage Delay claims : Start by completing the proper documentation for the airline on which your bag was delayed (save a copy). Contact the Benefits Administrator within 20 days of the delay, then return documentation and forms within 90 days (or a maximum of one year after the 90-day deadline).
• For Auto Rental Collision Damage Waiver claims : Request the proper documentation from the car rental company (and police, if applicable), then contact the Benefits Administrator within 100 days of the incident. Submitting documentation varies by state but is usually required within 120-365 days of the incident.
• Emergency Evacuation and Transportation claims : Call the Benefits Administrator immediately upon incident, then submit the claim and documentation within 180 days of the occurrence.
• Emergency Medical and Dental Benefits claims : Call the Benefit Administrator within 90 days of receiving medical care on your trip, then submit the claim and documentation within 180 days of the occurrence.

Chase Sapphire Reserve cardholders can call 1-888-675-1461 while in the U.S. or call collect at 1-804-281-5772 while outside of the U.S. to file claims. Chase Sapphire Preferred cardholders can call 1-888-320-9961 while in the U.S. or call collect at 1-804-673-1691 while outside of the US to file claims.

An alternative is to visit www.eclaimsline.com to submit your claims.

Bottom Line

Hopefully, you won't need to use it, but it's nice to know Sapphire cardholders have access to Chase Sapphire travel insurance benefits that can help you out of a minor (or serious) pickle.

However, it's important to read the fine print for both the Chase Sapphire Preferred travel insurance benefits and the Chase Sapphire Reserve travel insurance benefits , as there are many exclusions and provisions that you should know before submitting a claim. And when it comes to submitting those claims, make sure to do so within the allocated time periods to ensure coverage.

*Unless otherwise specified within each type of insurance, Chase states that 'Immediate family members include: spouse, and parents thereof; sons and daughters, including adopted children and stepchildren; parents, including stepparents; brothers and sisters; grandparents and grandchildren; aunts or uncles; nieces or nephews; and Domestic Partner and parents thereof, including Domestic Partners and spouses of any individual of this definition. Immediate Family Members also include legal guardians or wards.'

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Credit Cards

Is the Chase Sapphire Preferred Worth it?

Tamara Aydinyan

Ashley Barnett

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Published 5:51 a.m. UTC March 28, 2024

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For a credit card with a reasonable annual fee, the Chase Sapphire Preferred® Card comes packed with perks and travel benefits that can far surpass its cost. But is it the right card for you? 

A favorite amongst travelers for its easy entry into travel credit cards , the Chase Sapphire Preferred has high rewards rates that favor those who dine out or order in and comes with flexible and lucrative redemption options. The card also offers a generous welcome bonus that offsets its $95 annual fee, and its robust benefits include travel and purchase coverage. 

Determining whether the Chase Sapphire Preferred is worth it depends on your personal spending habits and frequency of travel. Here’s what you need to know about this popular credit card to decide if it’s right for you.

• Welcome bonus of 60,000 points after spending $4,000 on purchases in the first three months of account opening.
• $95 annual fee.
• Earn 5 points per $1 on travel purchased through Chase Ultimate Rewards®, 3 points per $1 on dining, select streaming services, and online grocery purchases (excluding Walmart, Target and wholesale clubs), 2 points per $1 on all other travel purchases and 1 point per $1 on all other purchases. 
• Points come in the form of Chase Ultimate Rewards® .
• Perks include up to $50 in statement credits each account anniversary for hotel stays purchased through Chase Travel℠ and an anniversary bonus equal to 10% of your total purchases made the previous year.

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Chase Sapphire Preferred® Card

Welcome bonus.

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.

Regular APR

Credit score.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Editor’s Take

• Flexible points that can be transferred to 14 travel partners or redeemed through Chase Ultimate Rewards® at 1.25 cents each.
• $50 annual statement credit toward Ultimate Rewards hotel bookings.
• Valuable travel protections.
• Category bonuses are limited and not competitive against other travel cards.
• Transfer partner list is limited compared to programs like Amex Membership Rewards and Citi ThankYou.

Card Details

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 when you redeem through Chase Ultimate Rewards®.
• Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Chase Sapphire Preferred benefits

• 25% more value when redeeming points for travel through Chase Travel.
• 1:1 point transfer to over a dozen airline and hotel loyalty program partners. 
• Travel benefits including trip cancellation/interruption insurance, primary auto rental insurance, baggage delay insurance, trip delay reimbursement and travel and emergency assistance services.
• Purchase protection and extended warranty protection.
• No foreign transaction fees.
• Partner benefits with DoorDash, Instacart, Lyft and Peloton.

Chase Sapphire Preferred drawbacks

• High 21.49%-28.49% Variable APR.
• Can only hold one Chase Sapphire product at a time.

Chase Sapphire Preferred may be worth it if:

You’re looking for a travel starter card .

Chase Sapphire Preferred offers a great entry into the travel credit card world. It earns extra rewards in everyday spending categories and has flexible redemption options. 

You can learn how to maximize the value of your points by transferring them to loyalty partners , but at the very least you can still get an extra 25% value when redeeming them through the easy-to-use Chase Travel portal. Plus, money-saving benefits like primary rental car insurance and trip cancellation/interruption insurance round out a substantial travel card. 

You want a big welcome bonus with a reasonable annual fee

Earning 60,000 points after spending $4,000 on purchases in the first three months of account opening is a generous welcome bonus for a card with a $95 annual fee, especially when you consider that you can redeem those points for $750 in travel through Chase Ultimate Rewards and potentially more if you transfer to partners and book directly with airlines and hotels. 

You stay (or want to stay) at Hyatt Hotels  

One of the best ways to use your Chase points is by transferring them to World of Hyatt at a 1:1 ratio. With award pricing that starts as low as 3,500 points per night and a fixed award chart, Hyatt offers some of the best redemptions you can find for its over 1,250 hotels. 

Even all-inclusive resorts can be booked using points and with the added bonus of waived resort fees on award stays, you can save even more.

Chase Sapphire Preferred may not be worth it if:

You rarely travel .

Since the Chase Sapphire Preferred is most valuable when its benefits and rewards are used for travel, it’s not the best card for you if you rarely do. In that case, a cash-back card that puts a percentage of your spending back in your wallet might be a better fit for your lifestyle.

You want airport perks

Although the Chase Sapphire Preferred is a great travel card for beginners, those who are frequent travelers and want perks like a Global Entry or TSA PreCheck credit or airport lounge access should consider other options. 

The card’s older sibling, the Chase Sapphire Reserve® can be a great choice as it comes with a statement credit of up to $100 every four years as reimbursement for Global Entry, TSA PreCheck or NEXUS application fees. It also includes complimentary lounge access through Priority Pass Select (enrollment required) and Chase Sapphire Lounges.

You don’t spend much

You don’t have to be a big spender to benefit from travel credit cards, but it should be enough to offset the annual fee. If you don’t think you can spend enough in the first few months to receive the welcome bonus, the Chase Sapphire Preferred card may not be the right card for you at the moment. 

Bottom line

The Chase Sapphire Preferred shines as a trusty mid-tier travel card for those entering the points world but may not be as appealing for those well-versed in travel rewards. Some may be put off by the $95 annual fee, but those who can make the most of the card’s benefits will quickly see the outsized value this card provides.

Frequently asked questions (FAQs)

The Chase Sapphire Preferred can be worth getting for those looking for a well-rounded travel credit card to add to their wallets. But if it will be worth it for you depends on your specific lifestyle and spending habits.

If you don’t travel at all or travel very frequently, there may be better travel credit cards for you.

The Chase Sapphire Preferred is popular for having a generous welcome bonus, big reward-earning opportunities in multiple categories and flexible award redemptions for travel.

You’re most likely to get approved for the Chase Sapphire Preferred card with a good to excellent credit score.

If you earn the welcome bonus of 60,000 points after spending $4,000 on purchases in the first three months of account opening, this is worth $750 when redeemed for travel through Chase, which covers the annual fee several times over.

In years not accounting for the welcome bonus, spending $7,600 on purchases in non-bonus categories will earn you enough points to cancel out the annual fee when redeemed through the Chase Travel portal at a value of 1.25 cents per point.

You are not eligible for a welcome bonus on a Chase Sapphire card if you have received a Sapphire bonus in the last 48 months.

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Tamara Aydinyan has been traveling the world with the help of miles and points for over a decade and enjoys teaching others to do the same. When she's not on the move, you can find her in Los Angeles or New York City, or on Instagram @deadlytravel.

Ashley Barnett has been writing and editing personal finance articles for the internet since 2008. Before editing for USA TODAY Blueprint, she was the Content Director for an international media company leading the content on their suite of personal finance sites. She lives in Phoenix, AZ where you can find her rereading Harry Potter for the 100th time.

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Does Chase travel insurance apply if I pay for my trip with Ultimate Rewards points?

Update: Some offers mentioned below are no longer available. View the current offers here .

Travel is … unpredictable. It doesn't take the chaos of a global pandemic to ruin your travel plans. In fact, if you have yet to experience a flight cancellation , extensive trip delay or lost or delayed baggage, you're probably in the minority of travelers.

If you travel even once or twice per year, you should have a card that offers trip cancellation insurance benefits. But will a travel credit card — such as those issued by Chase — even cover your trip if you use rewards points to pay for your flight?

Get the latest points, miles and travel news by signing up for TPG's free daily newsletter .

That's a great question — and one we've been asked many times in light of nearly two years of trip cancellations due to the pandemic.

Will you still receive credit card travel protections when booking travel with Chase points?

Cards that earn Chase Ultimate Rewards points (such as the Chase Sapphire Preferred Card and Chase Sapphire Reserve) feature some of the most comprehensive travel insurance policies of any credit cards. Depending on your specific card, you may enjoy coverage for trip delays, flight cancellations, baggage loss and car rental damage or theft.

In addition, the broad range of circumstances under which these policies kick in makes them simple to invoke. If you find your trip canceled or interrupted for a covered reason, you'll be eligible for reimbursement through Chase if either of the following is true:

• Some portion of the cost has been charged to your Chase credit card .
• You used Ultimate Rewards to pay for all or part of your trip.

Chase is quite generous in this regard, as many other issuers require you to pay for the entire trip with your card in order to receive coverage, and/or they don't extend coverage to travel booked using points.

Related: The ultimate guide to Chase pay with points

You'll be reimbursed for the monetary value of the redemption (or 1 cent per point if the value doesn't appear on your itinerary or confirmation). Coverage is capped at $10,000 per trip. Unfortunately, after a large number of airline bankruptcies over the last few years (even before the pandemic began), Chase changed the policy so that "financial insolvency of the ... travel supplier" is no longer covered.

Chase does provide a few examples of what counts as a covered event. But if you're not sure, you can always call the number on the back of your card and ask to speak to a benefits administrator.

In addition, these protections are not guarantees for reimbursement. You still need to follow the full process to file a claim , which includes submitting documentation to prove your eligibility.

For more details, check out our full guide to Chase's trip cancellation coverage .

Bottom line

The best time to learn about your credit card's travel insurance policies is before you actually have to use them. The good news for Chase cardholders is that your trip will be covered even if you pay with points, although you still need to submit complete documentation in order for your claim to be approved and processed.

Additional reporting by Chris Dong and Benét J. Wilson.

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Chase Sapphire Reserve and Ritz-Carlton Card Priority Pass Benefit Change: No More Restaurants or Markets

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Offers for The Ritz-Carlton™ Credit Card are not available through this site. All information has been independently collected by AwardWallet and has not been reviewed or provided by the card issuer. Some offers may have expired. Please see our card marketplace for available offers.

Check your latest billing statement on the Chase Sapphire Reserve ® or The Ritz-Carlton™ Credit Card for some bad news. One of each card's key benefits is changing this summer, and you'll lose the ability to get a free meal or comfortable nap at the airport soon. Here's what you need to know.

Changes to Chase Sapphire Reserve and Ritz-Carlton Card Priority Pass Benefit

The following terms are now showing up on Sapphire Reserve cardholder statements, so check your latest to see if it says this:

“As of July 1, 2024, you will no longer have access to restaurants, cafes, and markets participating in the Priority Pass Select network as part of the Priority Pass Select TM Benefit associated with your card. Access to Priority Pass Select’s network of lounges and other select airport experiences is not impacted by this update.”

While the same text hasn't yet been found on a Ritz-Carlton Card statement, a Chase spokesperson confirmed to AwardWallet that the card will also alter its Priority Pass benefit. Bummer.

Thus, as of July 1, you won't be able to visit food establishments of Priority Pass using a membership from either of these cards; the same applies to the J.P. Morgan Reserve card . If you weren't aware, there are Priority Pass restaurants, nap rooms, spas, and more . Your ability to visit lounges with your Priority Pass membership from the Sapphire Reserve or Ritz-Carlton Card won't change.

A spokesperson for Chase provided the following statement:

“[B]eginning July 1, 2024, Chase Sapphire Reserve, J.P. Morgan Reserve and The Ritz-Carlton™ Credit Card cardmembers will no longer have access to restaurants, cafes and markets participating in Priority Pass Select™. Access to Priority Pass Select’s network of lounges and other select airport experiences is not impacted by this update. Chase Sapphire Reserve, J.P. Morgan Reserve and The Ritz-Carlton™ Credit Card primary cardmembers and authorized users who have activated their complimentary Priority Pass Select membership will continue to have access to 1,300+ participating lounges in 600+ cities around the world and select airport experiences participating in the Priority Pass Select network. As part of Chase’s goal to invest in travel and provide the best experience to its cardmembers, having a trusted, premium airport lounge experience to offer cardmembers is integral to supporting their travel journey and end-to-end travel experience. Chase has made significant commitments to expand our Chase Sapphire Reserve Lounge Network because enhancing our cardmembers’ on-trip experience is paramount.”

Thus, Chase says the changes are a direct response to growing its own network of Chase Sapphire Lounges .

Putting This Into Context

The Sapphire Reserve and the Ritz-Carlton Card aren't the first cards to lose access to Priority Pass non-lounge elements. Amex pulled this benefit in 2019 , and Capital One made changes on January 1, 2023 .

Unfortunately, the list of cards you can use to get a free meal at the airport is growing thin.

Bottom Line

It's a real bummer to see both the Sapphire Reserve , Ritz-Carlton Card , and J.P. Morgan Reserve card lose access to Priority Pass restaurants and non-lounge perks. Many people have held these cards due to their better-than-others Priority Pass Select benefit. That's going to change on July 1, 2024. You may need to reevaluate these cards' positions in your wallet going forward.

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Benefits of the Chase Sapphire Reserve

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The Chase Sapphire Reserve® is so loaded with benefits that its annual fee might be considered a bargain even at $550 .

Chase Sapphire Reserve® benefits fall into three general categories: rewards points you earn by putting spending on the card, perks you receive for carrying the card and "peace-of-mind" protections you get for being a cardholder.

Here's what you get with this card.

» MORE: Editorial review of the Chase Sapphire Reserve

Points: Spending rewards

Rewards on the Chase Sapphire Reserve® come as Chase Ultimate Rewards® points, which offer a great deal of flexibility and a potentially high redemption value per point. ( Learn more about Chase Ultimate Rewards® points .)

1. A big sign-up bonus

The issuer describes it this way: " Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠. "

2. Bonus rewards on travel and dining

You earn 3 Chase Ultimate Rewards® points per dollar spent on travel and dining worldwide, and 1 point per dollar on all other purchases. If you book through Chase, you can earn even more: You'll get 10 points per dollar on Chase Dining, hotel stays and car rentals and 5 points on air travel.

3. 50% more value when redeeming for travel

Ultimate Rewards® points are usually worth 1 cent apiece. But Chase Sapphire Reserve® cardholders who redeem them for travel booked through Chase can get 1.5 cents per point. That gives you an effective rewards rate of 4.5% on travel and dining and 1.5% on other purchases.

» Learn more: Reasons to consider adding the Chase Sapphire Reserve® to your wallet

4. Point transfers to airlines and hotels

You can transfer your points to about a dozen airline and hotel loyalty programs at a 1:1 ratio. Depending on the program and how you use the transferred points, you could squeeze out even more value than the 1.5 cents per point you get for booking through Chase. Transfer partners:

Airlines: Aer Lingus, Air France/KLM, Air Canada, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United and Virgin Atlantic.

Hotels: Hyatt, IHG and Marriott Bonvoy.

» MORE: Making the most of the Chase Sapphire Reserve

Perks: Goodies for carrying the card

5. $300 a year in travel credit.

If there's a single, signature Chase Sapphire Reserve® benefit, this is probably it. The card automatically reimburses you for $300 in travel expenses charged to the card each year. (However, purchases reimbursed with the credit do not earn 3X points.) The automatic credit effectively cuts the annual cost of carrying the card to $250. Learn more about travel credits .

6. TSA PreCheck/Global Entry/NEXUS credit

Every four years, you're eligible for a credit of up to $100 as reimbursement for the application fee for NEXUS, TSA PreCheck or Global Entry, when you charge the fee to your card. TSA PreCheck gets you access to expedited airport security lines; Global Entry gives you the same access, plus quicker customs screening when entering the country. Learn more about TSA PreCheck and Global Entry .

7. Extra points on Lyft rides

Earn 10 points per $1 spent on Lyft rides through March 2025 — 7 bonus points on top of the 3 points per $1 you’d typically earn on travel.

8. DoorDash discounts

You’ll get a free DashPass membership for up to 12 months when you activate the benefit by Dec. 31, 2024. With DashPass, you’ll pay no delivery fees on orders over $12. DashPass would ordinarily cost $9.99 per month.

» MORE : Best premium credit cards right now

9. No foreign transaction fees

Many credit cards slap a surcharge on all purchases made outside the U.S. — typically 3% of the purchase amount. Good travel cards like the Chase Sapphire Reserve® do not impose this fee. See NerdWallet's best no foreign transaction fee credit cards .

10. Airport lounge access

Chase Sapphire Reserve® benefits include the ability to enroll in Priority Pass Select at no cost. Membership gives you access to more than 1,000 lounges in over 500 cities worldwide. Note that Priority Pass Select lounges do not include those operated by the big U.S. carriers American, Delta and United. Learn how to maximize Priority Pass Select.

Cardholders also have access to Chase Sapphire Lounges . As of May 2023, lounges have opened in Hong Kong International Airport and Boston Logan International Airport, plus a unique indoor/outdoor terrace location at Austin-Bergstrom International Airport.

11. Luxury hotel benefits

Cardholders staying at one of the high-end properties in Chase's Luxury Hotel & Resort Collection can enjoy an array of perks: daily breakfast for two, free Wi-Fi, room upgrades when available, early check-in and late checkout, and a "special benefit unique to each property," such as a spa package, restaurant credit or gift card.

12. Cardholder hotline

Don't mess around with general-purpose customer service phone trees. Chase Sapphire Reserve® customers get 24/7 access to a dedicated customer support line.

» MORE: How to pick a premium credit card

Protections: Peace-of-mind benefits

Chase Sapphire Reserve® benefits include protections that kick in when you shop with your card and when you book travel with your card. Keep in mind that with some of these benefits, certain conditions and exclusions will apply. (For example, don't expect to be able to buy a Ferrari with your card, total it and then get reimbursed under the purchase protection benefit.)

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Shopping protections

13. purchase protection.

When you buy something with your card, it's covered against theft or damage for up to 120 days, for up to $10,000 per item and $50,000 per year. Learn more about price protection .

14. Return protection

If you want to return something you've bought but the store won't take back, you might be able to get reimbursed through Chase. The coverage is good for 90 days after purchase, up to $500 per item and $1,000 per year. Learn more about return protection .

15. Extended warranty

This benefit adds an extra year onto manufacturers' warranties of three years or less. Learn more about extended warranty protections.

Travel protections

16. rental car coverage.

Pay for an auto rental with your card and decline the rental agency's insurance coverage, and you're covered for up to $75,000 against collision or theft. Coverage is primary — meaning you don't have to involve your own insurance at all — and available both in the U.S. and abroad. Learn more about credit card rental car coverage.

17. Trip cancellation or interruption insurance

Get reimbursed for up to $10,000 per person and $20,000 per trip if you have to cancel or cut short your trip because of sickness, weather and other covered situations. Reimbursement applies only to prepaid, nonrefundable travel expenses.

» MORE: 10 credit cards that offer travel insurance

18. Trip delay reimbursement

If your airline, train, bus or other ticketed travel experiences a delay that lasts more than six hours or requires an overnight stay, you're covered for unreimbursed expenses up to $500 per ticket.

19. Lost luggage reimbursement

This provides up to $3,000 of coverage per passenger if your checked or carry-on luggage is damaged or lost by the airline. Applies to the cardholder and immediate family members.

20. Medical emergencies during travel

If you or an immediate family member get sick or injured while traveling and need an emergency evacuation, you can be covered for up to $100,000 for medical services and transportation.

What's next?

» Learn more about Chase Ultimate Rewards® — how the program works and how to get the most out of it.

on Chase's website

1.5%-6.5% Enjoy 6.5% cash back on travel purchased through Chase Travel; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year). After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.

$300 Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

1x-5x 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

60,000 Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

1%-5% Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate. Earn 5% on Chase travel purchased through Ultimate Rewards®, 3% on dining and drugstores, and 1% on all other purchases.

$200 Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

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Chase Sapphire Reserve Card and Ritz-Carlton Card Losing Priority Pass Restaurants

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Chase Priority Pass Memberships

Alternatives for priority pass restaurant access, final thoughts.

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Well, shoot. American Express and Capital One have, for the most part, already paved the way for this news.

Those who hold the Chase Sapphire Reserve ® and The Ritz-Carlton™ Credit Card are losing one of the cards’ best benefits: access to Priority Pass restaurants. Chase has confirmed this with a statement to AwardWallet — let’s look at what’s going on.

The Chase Sapphire Reserve card is a premium travel credit card with an annual fee to match. Charging a $550 annual fee, it offers a $300 annual travel credit, 5x points on flights through Chase Travel , 3x points for other travel and dining, and — most importantly — excellent airport lounge access .

The same can be said of the Ritz-Carlton card , which, although not available to new applicants, can be accessed by product changing an eligible Chase card.

In addition to unlimited access to any Chase Sapphire Lounges , both the Chase Sapphire Reserve card and the Ritz-Carlton card grant cardholders a Priority Pass Select membership . For the unfamiliar, Priority Pass is a network of more than 1,500 airport lounges, restaurants, and experiences.

What’s unique about the Chase Sapphire Reserve card is that it maintained access to airport cafes, restaurants, markets, and other experiences long after American Express had dropped this option. The Capital One Venture X Rewards Credit Card has done the same.

All good things must end, because now Chase has confirmed that it’s also losing access to restaurants :

“Beginning July 1, 2024, Chase Sapphire Reserve, J.P. Morgan Reserve and The Ritz-Carlton™ Credit Card cardmembers will no longer have access to restaurants, cafes and markets participating in Priority Pass Select. Access to Priority Pass Select’s network of lounges and other select airport experiences is not impacted by this update.” Chase

The decision to drop restaurants but not other experiences differs from both Amex’s and Capital One’s Priority Pass memberships (enrollment required). This means that eligible Chase cardholders will still be able to access other Priority Pass experiences , such as spas, nap pods, and game lounges.

Still looking for a way to relax at the airport? Check out our guide to the best credit cards for airport lounge access .

If you’re one of the many who have enjoyed airport restaurant access via Priority Pass, there are still a couple of alternatives available to you. Each of these cards includes a Priority Pass Select membership with access to participating cafes, restaurants, and markets.

• Capital One Venture X Business Card *
• Citi Prestige ® Card (no longer open to new applicants)
• Mastercard ® Black Card™

*(Information collected independently. Not reviewed by Capital One.)

This is a terrible surprise for those who hold any of these Chase cards, especially since the Chase Sapphire Reserve card is such a popular option for travelers.

While the loss isn’t immediate, mark your calendars because starting July 1, 2024, restaurants will no longer be included with your Priority Pass Select membership.

The information regarding the Capital One Venture X Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Capital One Venture X Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding The Ritz-Carlton™ Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Mastercard ® Black Card™ was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information for the Citi Prestige ® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

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About Carissa Rawson

Carissa served in the U.S. Air Force where she developed her love for travel and new cultures. She started her own blog and eventually joined The Points Guy. Since then, she’s contributed to Business Insider, Forbes, and more.

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